Legal analysis: Du Xiaoman is a formal Internet lending company in China, and signed a loan contract with Du Xiaoman, which belongs to private lending. Xiaoman Finance is the original Baidu Finance. 2065438+In April 2008, Baidu Finance completed the signing of the split financing agreement and launched a brand-new Xiaoman Finance. Du Xiaoman Finance has deep cooperation with many banks and other financial institutions, and is committed to providing users with reliable and reliable financial services. Its main products and services are the APP products and services of rich flowers, small wealth management (formerly Baidu wealth management) and small wealth management (formerly Baidu wallet), as well as the financial technology capabilities exported by partners such as financial institutions. At present, there are more than 500 financial institutions that cooperate with brothers.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 680 It is forbidden to stop lending at a high-profit stove, and the interest rate of the loan shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.